Can I retire at age 41 with 1,900,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$156,900$155,503$154,139$152,808$151,509$147,606
2 years$77,673$76,227$74,825$73,465$72,147$68,242
3 years$51,268$49,815$48,417$47,070$45,773$41,987
4 years$38,068$36,619$35,235$33,911$32,646$29,007
5 years$30,150$28,710$27,344$26,047$24,817$21,336
6 years$24,873$23,444$22,098$20,830$19,637$16,318
7 years$21,105$19,688$18,363$17,126$15,970$12,813
8 years$18,280$16,876$15,574$14,366$13,249$10,252
9 years$16,085$14,694$13,414$12,237$11,157$8,318
10 years$14,329$12,952$11,694$10,548$9,506$6,822
11 years$12,894$11,530$10,295$9,180$8,176$5,642
12 years$11,698$10,349$9,137$8,052$7,085$4,697
13 years$10,688$9,353$8,163$7,109$6,178$3,931
14 years$9,822$8,501$7,335$6,310$5,416$3,304
15 years$9,073$7,766$6,622$5,628$4,769$2,787
16 years$8,418$7,125$6,004$5,039$4,214$2,358
17 years$7,840$6,562$5,463$4,528$3,737$2,000
18 years$7,328$6,064$4,987$4,080$3,323$1,700
19 years$6,869$5,620$4,566$3,687$2,962$1,448
20 years$6,457$5,222$4,190$3,339$2,645$1,234
21 years$6,085$4,864$3,854$3,031$2,367$1,054
22 years$5,747$4,540$3,552$2,755$2,122$901
23 years$5,439$4,247$3,280$2,509$1,905$770
24 years$5,157$3,979$3,033$2,289$1,712$659
25 years$4,898$3,734$2,809$2,090$1,541$565
26 years$4,660$3,509$2,606$1,911$1,388$484
27 years$4,439$3,303$2,420$1,749$1,251$415
28 years$4,235$3,112$2,249$1,603$1,129$356
29 years$4,045$2,936$2,093$1,470$1,019$305
30 years$3,868$2,773$1,950$1,349$921$262
31 years$3,702$2,621$1,818$1,239$833$225
32 years$3,548$2,480$1,696$1,139$753$193
33 years$3,403$2,349$1,583$1,047$682$166
34 years$3,266$2,226$1,479$963$617$143
35 years$3,138$2,111$1,383$887$559$123
36 years$3,018$2,004$1,294$817$507$105
37 years$2,904$1,903$1,211$752$459$90
38 years$2,796$1,809$1,134$694$416$78
39 years$2,694$1,720$1,063$640$377$67
40 years$2,598$1,636$996$590$342$57
41 years$2,506$1,558$934$544$311$49
42 years$2,419$1,484$876$502$282$42
43 years$2,336$1,414$822$464$256$36
44 years$2,257$1,347$772$428$232$31
45 years$2,182$1,285$725$395$211$27
46 years$2,111$1,226$681$365$191$23
47 years$2,043$1,170$639$337$174$20
48 years$1,977$1,117$601$312$158$17
49 years$1,915$1,066$565$288$143$15
50 years$1,855$1,019$531$266$130$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,900,000, adding $5,708 every year, while hoping to spend $48,975 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 39/45/16 Blend
40$1,900,000$1,900,000$1,900,000$1,900,000
41$2,099,688$1,998,988$1,969,538$2,171,313
42$2,261,747$2,044,829$1,983,408$2,268,793
43$2,438,695$2,091,275$1,996,102$2,368,976
44$2,631,998$2,138,304$2,007,528$2,476,257
45$2,843,272$2,185,891$2,017,590$2,591,302
46$3,074,294$2,234,008$2,026,188$2,714,848
47$3,327,022$2,282,625$2,033,215$2,847,702
48$3,603,612$2,331,707$2,038,561$2,990,756
49$3,906,436$2,381,217$2,042,109$3,144,995
50$4,238,110$2,431,113$2,043,737$3,311,501
51$4,601,510$2,481,351$2,043,315$3,491,470
52$4,999,807$2,531,881$2,040,710$3,686,218
53$5,436,493$2,582,648$2,035,778$3,897,196
54$5,915,411$2,633,594$2,028,373$4,126,005
55$6,440,798$2,684,654$2,018,338$4,374,409
56$7,017,317$2,735,761$2,005,511$4,644,355
57$7,650,108$2,786,837$1,989,720$4,937,985
58$8,344,829$2,837,802$1,970,786$5,257,665
59$9,107,716$2,888,569$1,948,521$5,606,003
60$9,945,637$2,939,043$1,922,730$5,985,872
61$10,866,157$2,989,120$1,893,207$6,400,443
62$11,877,611$3,038,693$1,859,735$6,853,211
63$12,989,180$3,087,643$1,822,090$7,348,028
64$14,210,982$3,135,843$1,780,035$7,889,144
65$15,554,160$3,183,157$1,733,324$8,481,244
66$17,030,993$3,229,440$1,681,699$9,129,493
67$18,655,007$3,274,535$1,624,888$9,839,587
68$20,441,106$3,318,276$1,562,611$10,617,806
69$22,405,711$3,360,484$1,494,571$11,471,074
70$24,566,914$3,400,968$1,420,459$12,407,026
71$26,944,648$3,439,523$1,339,952$13,434,079
72$29,560,875$3,475,933$1,252,714$14,561,514
73$32,439,796$3,509,966$1,158,392$15,799,564
74$35,608,074$3,541,373$1,056,616$17,159,511
75$39,095,087$3,569,890$947,003$18,653,793
76$42,933,209$3,595,237$829,150$20,296,124
77$47,158,106$3,617,114$702,637$22,101,624
78$51,809,084$3,635,203$567,026$24,086,962
79$56,929,448$3,649,165$421,859$26,270,515
80$62,566,917$3,658,641$266,657$28,672,543
81$68,774,075$3,663,246$100,922$31,315,382
82$75,608,861$3,662,575$0$34,223,655
83$83,135,120$3,656,196$0$37,437,475
84$91,423,202$3,643,651$0$40,993,030
85$100,550,631$3,624,452$0$44,906,161
86$110,602,829$3,598,083$0$49,213,336
87$121,673,926$3,563,998$0$53,954,751
88$133,867,647$3,521,615$0$59,174,711
89$147,298,292$3,470,319$0$64,922,048
90$162,091,812$3,409,458$0$71,250,585
91$178,386,997$3,338,341$0$78,219,645
92$196,336,788$3,256,237$0$85,894,613
93$216,109,718$3,162,371$0$94,347,554
94$237,891,505$3,055,923$0$103,657,897
95$261,886,800$2,936,024$0$113,913,189
96$288,321,121$2,801,757$0$125,209,917
97$317,442,982$2,652,150$0$137,654,428
98$349,526,236$2,486,175$0$151,363,933
99$384,872,659$2,302,745$0$166,467,616
100$423,814,803$2,100,711$0$183,107,856